The document outlines a template for tracking monthly and annual cash flows, expenses, assets and savings over a 30 year period. It includes categories for income, expenses, opening and closing savings and asset values. All cash inflow and outflow categories are included to calculate the net savings each period. Inflation and return assumptions are included to project asset growth over time. However, no actual financial values are entered into the template.

1. Cash Inflows
Salary and annual bonus All salary and bonus - post tax
Any other inflow One time inflows (post tax) that may happen like Joining bonus for a new job,
Income from assets Post tax cash inflows from assets built ( eg - rental income from house owned)
Loans taken Cash inflows due to loans ( eg Housing loan, vehicle loan etc)
Total Inflow Addition of all the above items
Cash outflows
House running All household expenses like grocery, water, electricity, servantand small one ti
House Rent rent paid for the house
Clothing
Transportation Bus, Auto, parking, petrol, maintenance of vehicle, insurance for vehicle etc
Communication land line, mobile, internet charges
Education All expenses on school for kids, books for self, training course for self etc
Medical All medical expenses plus medical insurance
Entertainment Movies, picnics, eat outs etc
Holidays Outstation holidays
Car / House EMI EMI's to be paid for loans taken
Assets purchased All items bought above Rs 3000 eg- Vehicle, Fridge, TV etc
Asset Maintenance exp. maintenance of assets ( real estate, car, Fridhe, TV etc) owned
Social contribution Contribution towards welfare of others
Other expenses Any expenses that does not come in any abolve categories
Loans repaid Loan repayments (principle)
Investments made Investments that will give returns over time like Equity, FD, PF etc
Special events Wedding expenses, child birth, medical emergencies etc
Total outflow Addition of all the above outflow items
Overall cash assets
Opening savings Cash at hand as you start this exercise
Savings for the year Net inflows minus net outflows for the year
closing savings Opening savings plus savings for the year
Overall non cash Assets
Opening value of assets Asset value as you start the exercise
Assets built in the year Investments during the year
Capital appreciation in the year Estimated appreciation of your assets
Closing value of assets addition of the top three values
Assumptions
Inflation estimated inflation (this is your estimate -you can put your number)
House rent increase estimated inflation in rentals
Cash flow return on assets estimate of your investment saviness - how well you are able to perform in the
Capital appreciation on Assets How well your assets are appreciating - how good are your investments

2. like Joining bonus for a new job, lottery wins etc
ental income from house owned)
ehicle loan etc)
ectricity, servantand small one time purchases below Rs 3000 ( like utensils bought) etc
hicle, insurance for vehicle etc
, training course for self etc
ridge, TV etc
e, TV etc) owned
ve categories
ke Equity, FD, PF etc
can put your number)
well you are able to perform in the investment of your savings
good are your investments

3. Month Jan Feb March April May
Cash Inflows
Salary and annual bonus
Any other inflow
Income from assets
Loans taken
Total Inflow 0 0 0 0 0
Cash outflows
House running
House Rent
Clothing
Transportation
Communication
Education
Medical
Entertainment
Holidays
Car / House EMI
Assets purchased
Asset Maintenance exp.
Social contribution
Other expenses
Loans repaid
Investments made
Special events
Total outflow 0 0 0 0 0
Overall cash assets
Opening savings
Savings for the month
closing savings
Overall non cash Assets
Opening value of assets
Assets built in the month
Closing value of assets

4. June July August September October November December Total
0
0
0
0
0 0 0 0 0 0 0 0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0 0 0 0 0 0 0 0

5. Year 2011 2012 2013 2014 2015
Cash Inflows
Salary and annual bonus
Any other inflow
Income from assets
Loans taken
Total Inflow 0 0 0 0 0
Cash outflows
House running
House Rent
Clothing
Transportation
Communication
Education
Medical
Entertainment
Holidays
Car / House EMI
Assets purchased
Asset Maintenance exp.
Social contribution
Other expenses
Loans repaid
Investments made
Special events
Total outflow 0 0 0 0 0
Year 2011 2012 2013 2014 2015
Overall cash assets
Opening savings 0 0 0 0
Savings for the year 0 0 0 0 0
closing savings 0 0 0 0 0
Overall non cash Assets
Opening value of assets 0 0 0 0
Assets built in the year 0 0 0 0 0
Capital appreciation in the year
Closing value of assets 0 0 0 0 0
Assumptions
Inflation 10.00% 10.00% 10.00% 10.00% 10.00%
House rent increase 10.00% 10.00% 10.00% 10.00% 10.00%
Cash flow return on assets
Capital appreciation on Assets

6. 2016 2017 2018 2019 2020 2021 2022 2023 2024
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
2016 2017 2018 2019 2020 2021 2022 2023 2024
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
0 0 0 0 0 0 0 0 0
10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%
10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%

7. 2025 2026 2027 2028 2029 2030
0 0 0 0 0 0
0 0 0 0 0 0
2025 2026 2027 2028 2029 2030
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
10.00% 10.00% 10.00% 10.00% 10.00% 10.00%
10.00% 10.00% 10.00% 10.00% 10.00% 10.00%